# One Vision Federal Credit Union High-Dividend Checking: 5.00% APY

Canonical: https://dealaka.com/offers/one-vision-federal-credit-union-high-dividend-checking-rate

- Status: Limited reports
- Bonus: 5.00% APY
- APY: 5.00% (ongoing APY on balances up to $1,000)
- Requirement: 15 debit txns + $300/mo, DD $500+ monthly, e-statements
- Expires: no published end date
- Availability: Nationwide
- Institution: One Vision Federal Credit Union
- Verified: Aug 13, 2026 against onevisionfcu.org
- Field reports: 0

## Summary
Earn 5% APY on checking balances up to $1,000, then 1.0% from $1,000.01 to $5,000 and 0.10% above that. You must make at least 15 debit card transactions totaling $300 or more monthly, receive direct deposits of at least $500 monthly, and enroll in e-statements. Interest is compounded and credited monthly.

## Requirements
1. Make at least 15 debit card transactions totaling $300 or more per month.
2. Receive direct deposits of at least $500 monthly.
3. Enroll in e-statements.

## Fine print that matters
- Rates are subject to change after account is open.
- Dividends are paid on only one checking account meeting all dividend requirements per membership.
- Fees may reduce earnings.
- Members 55 or older who do not meet all requirements but have direct deposit of at least $500 monthly and e-statements receive 0.10% APY plus one free box of checks annually.
- Without the monthly qualifications the rate is 0.1% APY.

## Sources
- onevisionfcu.org rate page <https://onevisionfcu.org/high-dividend-checking-account> (checked Aug 13, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._